Cigna Medicare Supplement Plans 2024


cigna-logoCigna is a global health service company with approximately 70 million customers worldwide, serving people for over 220 years. Cigna Medicare supplement insurance plans are offered by ARLIC and Loyal American which are operating subsidiaries of the Cigna Corporation.

Cigna has released its latest Medicare Supplemental Plan, Cigna Supplemental (Supp) Solutions, insured by The American Retirement Life Insurance Company (ARLIC) to replace or enhance existing Loyal American Insurance in several states.

Cigna Medicare Supplement Insurance Plans 2024

Once you are eligible for Medicare, you have the option to add a Medigap (Supplement) plan to extend your coverage. There are several types of plans available in various states. With many seniors having spouses still under 65, extra benefits are necessary to cover unpaid medical expenses.

ARLIC and Loyal American Plan Advantages

When you sign up for ARLIC Cigna, you have the option of applying for Loyal’s lump sum benefits. Loyal’s affordable Cancer and Heart Attack & Stroke Insurance offers a low cost for extra Medicare coverage with a lump sum benefit of $5,000 to $50,000.

Unlike other insurance carriers, Loyal’s Cancer and Heart Attack & Stroke Insurance covers individuals up to age 80. This can make a huge difference when you get hit with large medical bills. Loyal also offers Cash Advantage Critical Illness Insurance and Hospital/Surgical Fixed Indemnity Insurance.

Statewide and Regional Coverage

ARLIC Cigna Medicare Supplement plans are available in a number of states, including AL, IA, KY, LA, MS, MT, NM, NV, OK, WV, SC and SD.

Loyal American Medicare supplement plans are available in Alaska, Idaho, Maine, Michigan, Minnesota, New Jersey, Oregon, Vermont, Washington, Washington D.C., and Wisconsin.

What You Need to Know About Cigna Medicare Supplement Plans

You cannot be singled out for a rate increase based on your health, no matter how many times you receive benefits. The policy’s rate structure is based on attained age (except in AZ, AR, FL, GA, and MO where the policy rate structure is based on issue age, and premiums can only be increased by class).

Other than increases due to your age, your premium will only change when:

  • the same premium change is made on the same form issued to persons of your classification in the same geographic area of your state
  • if coverage under Medicare changes
  • if you move to a different zip code location

Exclusions and Limitations

Not all plans are available in all states. Check your state’s outline of coverage for availability. The combined benefits of ARLIC or Loyal American Supplement Policies with Medicare coverage will not exceed one-hundred percent (100%) of the Medicare Eligible Expenses incurred.

Any expenses sustained relating to a pre-existing condition will not be covered for the first six months (6) starting from the effective date of coverage (90 days in Wyoming).

Cell PhoneTo start an application today, contact one of our Personal Benefits Manager at 1-800-913-3416, or choose an available time for a phone or screen-share meeting. Our professional and knowledgeable Personal Benefits Manager can assist you with choosing the best plan that meets your personal needs and has the lowest rate, plus answer any questions you may have–free of charge. Give us a call.  We’d love to help! You can also get a free instant quote.

Cigna Frequently Asked Questions

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What Medigap plans does Cigna sell?

Cigna has a relatively limited menu of Medicare supplement plans. But they do sell the most popular plans, including Plans A, F, G, and N. They also sell the high-deductible version of Plan G.

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What states does Cigna Medigap operate in?

Cigna operates in all states except Massachusetts and New York. They also operate in the District of Columbia. 

However, you can still use your Medicare supplement benefits in Massachusetts and New York at any doctor or provider who takes Medicare patients.

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Are other benefits available to Cigna Medicare supplement enrollees?

Cigna allows Medigap enrollees access to their Healthy Rewards Program, which provides discounts for healthy lifestyles and choices.

They also provide access to a nurse-staffed 24-hour health information line.

By Whitney Kline – Updated Jan 25, 2024
Reviewed by Mike Montes
Fact checked by Wiley Long

Cigna Medicare Supplement Reviews

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4.0 out of 5 stars (based on 9 reviews)
5 star34%
4 star33%
3 star33%
2 star0%
1 star0%

Cigna has consistently met my healthcare needs

May 3, 2024

I’ve been a Cigna customer for a while now, and my experience has been quite positive. The customer service is excellent, with their representatives always ready to assist and provide helpful information. The coverage they offer is comprehensive, and I’ve had a smooth experience with claim processing. The network of healthcare providers is extensive, ensuring I have access to a wide range of healthcare options. While the premium cost can be a bit high, the quality of service and peace of mind it offers make it a valuable choice. Cigna has consistently met my healthcare needs.

Ava H, KS

A Seamless Healthcare Experience

March 19, 2024

Their commitment to transparency in pricing and coverage details is refreshing. Cigna has simplified the often complex world of healthcare, and I couldn’t be happier with the service they provide.

Michael Bond, NY

Average Coverage, Good Customer Service

January 14, 2024

I’ve been with Cigna for a few years now, and I have mixed feelings about their services. On the positive side, their customer service has always been responsive and helpful. They make it easy to get in touch and have answered my questions promptly. However, the coverage they offer is just average. I often find myself surprised by certain out-of-pocket costs and restrictions on certain treatments. It would be great if they could improve the transparency of their coverage policies.

Henry Williams, MN

Efficient and Reliable Insurance Provider

December 5, 2023

Cigna is known for its efficient claims processing and prompt responses to inquiries. This reliability has made my healthcare experience hassle-free. The variety of plans they offer ensures that there’s something for everyone. I appreciate the peace of mind that comes with being a Cigna member.

Jordon M NC

Big rate hike at age 85

July 22, 2023

I’m 86 years old. I’ve had a Cigna Medicare Supplement policy for years. It used to be very competitive. But when I turned 85, the rates went way, way up. I found out I’m not the only person this happened to, and that Cigna tends to do this to the 85+ crowd.

So, it’s probably a good deal if you’re 65 and in poor health. If you think you’ll last much longer than 85, maybe it’s not the best plan.

Doris O